The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$5,345
−HK$335/mo
▼ 0.25% · 3.875%
HK$5,511
−HK$169/mo
Today · 4.125%
HK$5,680
baseline
▲ 0.50% · 4.625%
HK$6,025
+HK$345/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$11,360/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,946
−HK$321/mo
▼ 0.25% · 3.875%
HK$6,105
−HK$162/mo
Today · 4.125%
HK$6,267
baseline
▲ 0.50% · 4.625%
HK$6,597
+HK$330/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$12,534/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,413
−HK$403/mo
▼ 0.25% · 3.875%
HK$6,613
−HK$203/mo
Today · 4.125%
HK$6,816
baseline
▲ 0.50% · 4.625%
HK$7,230
+HK$414/mo
Deposit HK$938K · loan HK$1.41M · min. income ≈ HK$13,632/mo (50% DSR)
Upfront cash ≈ HK$938K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,135
−HK$385/mo
▼ 0.25% · 3.875%
HK$7,326
−HK$194/mo
Today · 4.125%
HK$7,520
baseline
▲ 0.50% · 4.625%
HK$7,917
+HK$397/mo
Deposit HK$938K · loan HK$1.41M · min. income ≈ HK$15,040/mo (50% DSR)
Upfront cash ≈ HK$938K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,482
−HK$470/mo
▼ 0.25% · 3.875%
HK$7,715
−HK$237/mo
Today · 4.125%
HK$7,952
baseline
▲ 0.50% · 4.625%
HK$8,435
+HK$483/mo
Deposit HK$703K · loan HK$1.64M · min. income ≈ HK$15,904/mo (50% DSR)
Upfront cash ≈ HK$703K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,324
−HK$450/mo
▼ 0.25% · 3.875%
HK$8,547
−HK$227/mo
Today · 4.125%
HK$8,774
baseline
▲ 0.50% · 4.625%
HK$9,236
+HK$462/mo
Deposit HK$703K · loan HK$1.64M · min. income ≈ HK$17,548/mo (50% DSR)
Upfront cash ≈ HK$703K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,620
−HK$603/mo
▼ 0.25% · 3.875%
HK$9,919
−HK$304/mo
Today · 4.125%
HK$10,223
baseline
▲ 0.50% · 4.625%
HK$10,845
+HK$622/mo
Deposit HK$234K · loan HK$2.11M · min. income ≈ HK$20,446/mo (50% DSR)
Upfront cash ≈ HK$234K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,702
−HK$579/mo
▼ 0.25% · 3.875%
HK$10,989
−HK$292/mo
Today · 4.125%
HK$11,281
baseline
▲ 0.50% · 4.625%
HK$11,875
+HK$594/mo
Deposit HK$234K · loan HK$2.11M · min. income ≈ HK$22,562/mo (50% DSR)
Upfront cash ≈ HK$234K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).